| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | — | $16K | 4.90% |
| AON CONSULTING INC3 Filed as: AON CONSULTING-BOSTON | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 6.25% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 5.01% |
| GENCORP INSURANCE GROUP INC3 Filed as: GENCORP INSURANCE GROUP | 16 MAIN STREET EAST GREENWICH, RI 02818 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $470 | — | $470 | 4.19% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNUM LIFE INSURANCE CO. OF AMERICA EIN 01-0278678 N/A | Other services Service code 49 | — | $37K |
| BLACKROCK EIN 94-3112180 RECORD-KEEPER | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan; Investment management; Investment management fees paid directly by plan; Trustee (discretionary) Service code 21 | — | $30K |
| GRAYCLIFF PARTNERS LP EIN 36-4711561 RECORD-KEEPER | Investment management Service code 28 | — | $17K |
| WILLIS TOWERS WATSON EIN 26-0775680 N/A | Other services Service code 49 | — | $16K |
| STATE STREET GLOBAL ADVISORS EIN 41-6558543 RECORD-KEEPER | Investment management fees paid directly by plan Service code 51 | — | $15K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 3,771 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,515 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,286 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | COMBINED INSURANCE COMPANY OF AMERICA | 5,341 | $332K |
| Life insurance | AMICA LIFE INSURANCE COMPANY | 5,290 | $4.9M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,569 | $146K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,626 | $482K |
| Other(4 contracts, 4 carriers) | ARAG INSURANCE COMPANY | 3,799 | $271K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,341 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.